We’re aware of today’s news that Thomas Cook has ceased trading. If you’re affected by this, please visit https://thomascook.caa.co.uk for more details. Contact us if you are concerned.

  • After we approve a request, your balance or money transfer will normally arrive by the next working day. Working days do not include weekends or bank holidays.

    If it’s a balance transfer, please continue to make payments to any other credit or store cards you have until the transfer shows on your statements.

    If you’d like to know more about transfers, read our handy guides on understanding balance transfers, or money transfers.

  • It's easy to request a balance or money transfer online - just log in or register for Online Card Services to get started. You can also give us a call, or use the MBNA Card Services App if you’ve downloaded it.*

    You'll need to know:

    • How much you want to transfer.
    • The card or account number you're transferring from/to.


    *Balance and money transfers are available subject to account status, as detailed in your account terms and conditions. You cannot transfer balances between MBNA accounts.

    Fees and charges

    It’s important to bear in mind that handling fees may apply, but we’ll confirm the total cost before you submit your request.

    After it’s complete, unless you’ve got a promotional offer on your account, you’ll be charged the standard interest rate as detailed in your account terms and conditions.

    For more information, read our guide to credit card fees and charges.

    Important: if you plan to pay your balance in full every month to avoid interest on card purchases, please consider whether making a transfer is right for you. Card purchases will only remain interest free if you pay the whole balance (including the amount of any transfer) in full every month, or if you have a 0% promotional rate on card purchases.

    If you’d like to know more about transfers, read our handy guides on understanding balance transfers, or money transfers.

  • In basic terms, a money transfer involves moving funds from your credit card to a bank or building society account, which could be handy for cash only purchases.

    It’s important to bear in mind that handling fees may apply. Although making a money transfer and using a debit card is an alternative way to pay for goods and services, you won’t have the protection provided by the Consumer Credit Act 1974 (Section 75) for credit card payments.

    For all the details, have a look at our understanding money transfers page.

  • There's no limit to how many transfers you can make, as long as it's no more than 93% of your credit limit, including your existing account balance.

    For security reasons, you can only make one transfer (either money or balance transfer) of the same amount to/from an individual account in any 14 day period.

  • No, you can't stop a balance or money transfer request after it’s been made.

  • You’ll find information about both promotional and standard interest rates in a couple of places. You can read through the terms and conditions of your account, which include all sorts of useful information about your interest rates.

    Alternatively, for a snapshot including details of offer expiry dates and rates that currently apply to portions of your outstanding balance, refer to your latest statement. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

    If your account’s set up with paperless statements, you’ll need to log in or register to view them online.

    Remember: stay within your limit and make monthly payments on time, or you’ll lose the promotional offers on your account and pay the standard interest rate instead.